John O'Haro - NMLS# 991565 - Central Bank

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United States
Springfield, MO
John O'Haro - NMLS# 991565 - Central Bank

AVP, Mortgage Loan Officer at Central Bank of the Ozarks with over 20 years of banking experience.

I help homeowners and buyers navigate mortgages, refinances, and home equity options with straightforward guidance and a focus on what fits their goals.

06/17/2026

Buying a home may be closer than you think. For qualified borrowers, an FHA loan can offer a lower down payment option and a more flexible path to homeownership than many people expect.

It’s a popular option for many first-time buyers, but the right loan always depends on your full financial picture and long-term goals.

Questions about whether FHA could be a fit for you? Reach out to me today!

Member FDIC | NMLS # 407985 | Equal Housing Lender

06/16/2026

Had a great day at the Springfields Cardinals Game networking with members from my BNI Group! Thank you so much Central Bank for letting us use your suite! It was an amazing day!!

06/15/2026

Are you self-employed and dreaming of homeownership? You can absolutely secure a mortgage, but be prepared for stricter standards. Here’s what you need to know!

Want to dive deeper into the requirements and tips? Read our full article here: https://www.centralbank.net/learning-center/homeownership/buying/how-you-can-get-a-mortgage-if-you-are-self-employed/
Member FDIC | NMLS # 407985 | Equal Housing Lender

06/10/2026

A buydown is not one-size-fits-all.

A permanent buydown may help lower the interest rate for the life of the loan, while a temporary buydown may help lower the payment for the first few years before it adjusts to the full note rate.

In some situations, a seller or builder may be able to contribute toward the cost, depending on the loan program, contract terms, and guidelines.

The best option depends on your budget, timeline, and overall goals. Before choosing, make sure you understand both the upfront cost and the long-term impact.

For informational purposes only. Not a commitment to lend. Loan approval, terms, rates, costs, discount points, and concession limits are subject to borrower qualifications, credit approval, program guidelines, property eligibility, contract terms, and underwriting.

Member FDIC | NMLS # 407985 | Equal Housing Lender

06/09/2026

Seller concessions can be a helpful tool for buyers in certain situations.

Depending on the loan program and transaction details, seller concessions may be used toward eligible costs such as closing costs, prepaid items, or a temporary rate buydown.

This can sometimes help reduce the amount a buyer needs upfront or support a payment strategy during the early part of the loan.

Because concession limits and guidelines vary by loan type, it’s important to talk through the numbers before making an offer.

Learn more or get in touch here: https://www.centralbank.net/johnoharo/

For informational purposes only. Loan approval, terms, costs, and concession limits are subject to borrower qualifications, program guidelines, property eligibility, credit approval, and underwriting.

Member FDIC | NMLS # 407985 | Equal Housing Lender

06/08/2026

June is National Homeownership Month 🏡

A great reminder that buying a home does not start with the open house — it starts with clarity.

Before you start house hunting, make sure you understand your monthly payment, cash to close, loan options, and overall comfort level.

The goal is not just to buy a home.
The goal is to buy a home with confidence.

Thinking about buying this year? Start with the numbers first. https://www.centralbank.net/learning-center/homeownership/buying/

For informational purposes only. Not a commitment to lend or extend credit. Loan approval, terms, rates, down payment, and closing costs are subject to borrower qualifications, program guidelines, property eligibility, and underwriting approval.

Member FDIC | NMLS # 407985 | Equal Housing Lender

06/06/2026

Having a little fun on content day!

06/01/2026

Huge thank you to my awesome borrower, Mathew, for trusting me through the home loan process—congrats on your new home! 🎉🏡

Also a big shoutout to Fidelity Title Agency for a smooth and seamless closing. It truly takes a great team to get to the finish line, and I appreciate the partnership every step of the way!

If you or someone you know is thinking about buying or refinancing, I’d love to help make it happen!
John O'Haro | Mortgage Loan Officer| NMLS # 991565
Member FDIC | NMLS # 407985 | Equal Housing Lender

Address

3333 S National Avenue
Springfield, MO
65807

Website

https://www.centralbank.net/johnoharo/

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